Credit Analyst

Horseware Ireland; Dublin; On-site; EUR 45,000 - 70,000; Full time

Benefits offered by this job

Competitive salary

25 days annual leave pro-rata

Free onsite parking

Company pension

Health screening

Life Assurance

Learning & Development

Employee Assistance Programme

Maternity/parental leave

Product discounts

Job summary

Horseware Ireland, a leading Irish equestrian brand, invites applications for a 12-month maternity cover in its finance team. The role focuses on accounts receivable, credit risk management, and day-to-day financial administration within an international environment.

You will maintain accurate records, support month-end processes, and collaborate with sales and service to drive responsible growth. A strong Excel/ERP background and credit-insurance experience are valued.

Qualifications

• Proven experience in a Credit Analyst, Credit Control, Accounts Receivable, or similar finance-related role.
• Demonstrable experience with trade credit insurance providers and exposure monitoring.
• Experience interpreting commercial credit reports from Dun & Bradstreet, Experian, Creditsafe, or equivalent.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent attention to detail and accuracy.
• Ability to manage multiple priorities in a fast-paced environment.
• Advanced Excel and MS Office skills; ERP experience.
• Experience in an international or multinational business environment.

Responsibilities

• Record, reconcile, and allocate incoming customer payments accurately and on time.
• Investigate payment discrepancies, unallocated cash, and account reconciliation issues.
• Perform regular customer account reconciliations to ensure accuracy of financial records.
• Assist with month-end reporting, reconciliations, and audits.
• Maintain complete, accurate financial records in line with company standards.
• Assess creditworthiness of new and existing customers and monitor risk.
• Liaise with insurers on credit insurance and policy matters.
• Support management with credit insurance reporting and exposure analysis.
• Engage with sales and customer service to balance growth with controls.
• Handle daily banking transactions and bank reconciliations.
• Prepare monthly financial reports and management information.

Skills

Analytical skills

Attention to detail

Time management

Negotiation skills

Excel proficiency

ERP systems experience

Multinational environment experience

Credit risk knowledge

Tools

Stripe

Realex

ERP software

Dun & Bradstreet

Experian

Creditsafe

Allianz Trade

Atradius

Coface

Job description

This is a 12-month Maternity Cover (Fixed-term Contract)

About Horseware:

Through It All, we are measured by the purest of passions: a love of horses. This unspoken bond guides everything we do. For over 40 years, this simple truth has been Horseware Ireland’s north star. It has helped us always deliver high-performance, beautiful, sustainable products that last.

In 1985, Horseware Ireland created our now iconic Rambo Original, sparking a design revolution that redefined innovation within the equine industry. The husband-and-wife team forged a path that would grow across geographies, span generations, and make Horseware Ireland the world’s leading equestrian brand in horse rugs and equine products, selling to over 70 countries worldwide and employing more than 500 people.

Today, more than ever, we continue to challenge what is possible and reimagine new ways of fulfilling our mission to improve life for you, your horse, and our planet.

Key Responsibilities

Accounts Receivable and Financial Administration

• Record, reconcile, and allocate incoming customer payments accurately and in a timely manner
• Investigate and resolve payment discrepancies, unallocated cash, and account reconciliation issues
• Perform regular customer account reconciliations to ensure the accuracy of financial records
• Assist with month-end reporting activities, account reconciliations, and financial audits
• Maintain complete, accurate, and well-documented financial records in accordance with company standards

Credit Risk Management and Credit Control

• Assess the creditworthiness of new and existing customers through the review of financial statements, commercial credit reports, payment performance, and other relevant risk indicators
• Continuously monitor customer accounts for signs of financial deterioration, elevated risk exposure, or potential default
• Maintain accurate bad debt provisions and make recommendations regarding doubtful debt reserves where necessary
• Monitor and analyse aged debtor reports to identify trends, payment issues, and collection priorities
• Investigate overdue accounts, resolve account queries, and support the timely collection of outstanding debts
• Escalate significant credit risks or potential financial exposures to management
• Ensure all credit activities are conducted in accordance with company policies, applicable regulations, and industry best practice
• Submit and monitor credit limit applications, amendments, and renewals with insurers
• Review insurer decisions and ensure customer accounts operate within approved insured limits where applicable
• Monitor insured and uninsured exposures and provide recommendations on risk mitigation measures
• Ensure full compliance with trade credit insurance policy conditions, reporting obligations, and claims requirements
• Liaise with insurers regarding high-risk accounts, policy matters, claims activity, and credit limit decisions
• Support management with credit insurance reporting and exposure analysis

Stakeholder Engagement and Business Support

• Partner with sales and customer service teams to support business growth while maintaining appropriate credit controls
• Provide guidance and recommendations to internal stakeholders regarding customer credit risk and account management
• Manage daily banking transactions and bank reconciliations
• Assist in the preparation of monthly financial reports and management information
• Undertake ad hoc projects and responsibilities as required by management

Skills, Experience and Qualifications

• Proven experience in a Credit Analyst, Credit Control, Accounts Receivable, or similar finance-related role
• Demonstrable experience working with trade credit insurance providers, including credit limit management, policy compliance, and exposure monitoring
• Experience interpreting and analysing commercial credit reports from agencies such as Dun & Bradstreet, Experian, Creditsafe, or equivalent
• Strong analytical, problem-solving, and decision-making skills
• Excellent attention to detail and a high degree of accuracy
• Ability to manage multiple priorities and work effectively in a fast-paced environment
• Strong organisational, time management and negotiation skillsAdvanced proficiency in Microsoft Excel and Microsoft Office applications
• Experience working with ERP and financial management systems
• Experience operating within an international or multinational business environment
• Knowledge of credit insurance providers such as Allianz Trade, Atradius, Coface, or similar organisations
• Experience working with Stripe, Realex, or other payment processing platforms

Summary of the Benefits:

• Competitive salary commensurate with role and experience.
• 25 days basic annual leave pro-rata
• Sick leave entitlement
• Free Onsite Parking
• Company pension scheme
• Health screening
• Life Assurance
• Learning and Development opportunities
• EAP- Employee Assistance Programme
• Maternity, paternity, and adoptive leave
• Learning, education, and training support
• Discount on Horseware products

Please note that the benefits outlined are subject to change based on organization decision.

Horseware is committed to equal opportunity in the terms and conditions of employment for all employees and job applicants without regard to race, colour, religion, sex, sexual orientation, age, gender identity or gender expression, national origin, disability, neurodiversity, or any other protected classification by local laws.